Total complaints
3
Filed since RE :
2026 data Public-data reference. official source
on it's own
3 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
3 consumer complaints filed with the CFPB
This profile shows on it's own's complaint history from CFPB public records. 3 consumers have filed complaints since RE :. The company has a 0% timely response rate and has provided relief in 0% of cases.
3
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
RE :
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
on it's own complaint mix by product
- OH. XXXX 2 66.7% – 0% relief
- OH. XXXX 1 33.3% – 0% relief
How on it's own's 3 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| OH. XXXX I am writing this in concern to detrimental and false inaccurate reporting of the XXXX account on my credit file. Attached you will find copies. RE : Account Number XXXX I recently pulled my credit reports and noticed there were false payments being reported on this charged off account across all three credit bureaus. The credit file states that there were 5 on-time payments during the life of the account ( XX/XX/XXXX | 2 |
| OH. XXXX I am writing this in concern to detrimental and false inaccurate reporting of the Comenity account on my credit file. Attached you will find copies. RE : Account Number XXXX I recently pulled my credit reports and noticed there were false payments being reported on this charged off account across all three credit bureaus. The credit file states that there were XXXX on-time payments during the life of the account ( XX/XX/XXXX | 1 |
Top States
| State | Complaints |
|---|---|
| mind you this is not a physical credit card | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| XX/XX/XXXX | 3 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About on it's own
on it's own has accumulated 3 consumer complaints in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 3 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to RE :, and the most recent logged activity is RE : XXXX , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, on it's own reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "OH. XXXX I am writing this in concern to detrimental and false inaccurate reporting of the XXXX account on my credit file. Attached you will find copies. RE : Account Number XXXX I recently pulled my credit reports and noticed there were false payments being reported on this charged off account across all three credit bureaus. The credit file states that there were 5 on-time payments during the life of the account ( XX/XX/XXXX", and the single most common underlying issue is "XX/XX/XXXX".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating on it's own: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does on it's own have?
on it's own has received 3 consumer complaints filed with the Consumer Financial Protection Bureau.
Does on it's own respond to complaints on time?
on it's own has a 0% timely response rate to CFPB complaints.
What is the most common complaint about on it's own?
The most common issue reported against on it's own is "XX/XX/XXXX" in the "OH. XXXX I am writing this in concern to detrimental and false inaccurate reporting of the XXXX account on my credit file. Attached you will find copies. RE : Account Number XXXX I recently pulled my credit reports and noticed there were false payments being reported on this charged off account across all three credit bureaus. The credit file states that there were 5 on-time payments during the life of the account ( XX/XX/XXXX" product category.
Read our methodology — how this data is sourced, computed, and verified.
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